ALL BANKS

Every bank. Every fee. Every hidden charge. Exposed.

Q1 2026 · 7 banks ranked
🏦

Standard Bank

Est. 1862 · Johannesburg
#1 Worst
💀💀💀💀💀 Yacht Index
Monthly
R189
Hidden
R112
Yearly
R3,612

R99 monthly admin fee plus R5 per SMS. CEO earned R42M in 2025 while fees rose 23%.R99/month for "admin." Admin of what? The ATM still charges you to withdraw your own money.

2,847 complaints
🔴

Absa

Est. 1991 · Johannesburg
#2
💀💀💀💀 Yacht Index
Monthly
R167
Hidden
R94
Yearly
R3,132

R110 monthly fee, R150 to close your account, R125 for international payments. 73% of users reported surprise fees.R150 to leave. They charge you for breaking up with them.

2,102 complaints
🟡

FNB

Est. 1838 · Johannesburg
#3
💀💀💀💀 Yacht Index
Monthly
R145
Hidden
R89
Yearly
R2,808

R95 monthly fee, R8 per eWallet send, R15 for paper statements. New R3.50 "digital convenience fee" per online payment.A "digital convenience fee." You already pay for WiFi. They're charging you to click a button.

1,934 complaints
🟢

Nedbank

Est. 1888 · Johannesburg
#4
💀💀💀 Yacht Index
Monthly
R134
Hidden
R67
Yearly
R2,412

R134 monthly with R67 hidden. Markets as "green" while quietly raising fees twice in 2025."See money differently." Yeah — you see it, then it disappears into their fee schedule.

1,456 complaints
🧬

Discovery Bank

Est. 2019 · Sandton
#5
💀💀 Yacht Index
Monthly
R99
Hidden
R47
Yearly
R1,752

R99/month with R47 hidden. Rewards "healthy behaviour" with lower rates — but Vitality points don't cover bank fees.Walk 10,000 steps to save R3. You'd need to hike to Cape Town to break even.

892 complaints
💜

TymeBank

Est. 2019 · Rosebank
#6
💀 Yacht Index
Monthly
R25
Hidden
R12
Yearly
R444

R25/month with only R12 hidden. One of the lowest-cost digital banks in SA. Available at Pick n Pay and Boxer.R25/month. That's one pie at the garage. If every bank was this cheap, SA would have holiday money.

234 complaints
🏆

Capitec

Est. 2001 · Stellenbosch
#1 Best
💀 Yacht Index
Monthly
R0
Hidden
R0
Yearly
R0

R0 monthly fee. R0 hidden charges. CEO earned R15M — lowest of the Big 5 — with 0% fee increase in 2025.R0 fees. Not "zero*" with an asterisk. Actual zero. Other banks, take notes.

87 complaints
Also by Sandton Streets